Every once in awhile I feel like my finances have taken on a life of their own. They are like a ship in a storm and I’m getting tossed this way and that depending on how the wind blows. Do you know that feeling? You just get past once crisis when something else blows you [...]
Continue reading about 10 Steps to Getting Your Financial Boat Back On Course
I didn’t think that outrageous bank charges could shock me anymore but Wachovia has managed it. I had a check from an account holder at Wachovia. This was a check to replace a bad check so we drove 25 miles to Wachovia to cash it. When we went into the bank, we went through the [...]
We live well on under $1000 in income per month. We live fairly well although rather simply. As I write this, I know there are going to be people who don’t believe it’s possible. There will be others whose mortgage payments will be more than we make. Still there will also be those who will [...]
Every once in awhile my budget gets blown out of the water. It seems like the months where my expenses are higher, my income is lower. Have you ever wondered why that is? It is so frustrating to try and get to that 0 budget when you keep ending up in negative numbers. I have [...]
by seanrefer I wrote a post yesterday on Shawn Michael’s financial issues and thought I would follow up with a To Do list to get him back on the right financial track. These are mostly things that all of us should do but as you will see a few are just for Shawn. Ditch the [...]
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The last few days before Christmas have always blown my holiday budget. I have planned my gifts. I have spent my holiday budget and all I need to do is make it through the next few days. I’ve been patting myself on the back for staying in budget and this year even a little ahead [...]
One of the ways that I stick to my budget all year long is by NOT shopping. I avoid the malls, I don’t go to clothing stores or big box stores. When I have to go shopping, I make a list and I am like a guided missile. I go, I get what I need [...]
It’s just one week until Christmas. Are you excited yet? Are you ready? We have actually almost finished our shopping. This has got to be a first for me and I have managed to NOT break the budget. I still have two presents to buy for my grandchildren but that should be easy. The tree [...]
No matter how much we love Christmas and the holiday season, there is always some amount of stress involved. When you are struggling financially this stress can grow to enormous proportions. Worrying about buying everyone a gift or giving everyone a happy holiday season can lead to busted budgets and credit card debt. I don’t [...]
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Yesterday a reader commented on my post 10 Steps to Budgeting with Irregular Income and it reminded me of the most important step to begin a budget or spending plan. Denise from Plain Ol’ Food says We use the envelope system for both personal and business expenses and as cash comes in some is put [...]
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